Square Payments vs Thimble: which one fits your business?
Side-by-side comparison of Square Payments and Thimble — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Square Payments wins on our scorecard (7.8/10 vs 7.7/10).
| Scored on | Square Payments | Thimble |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 9 |
| Fees & pricing | 7 | 7 |
| Customer support | 5 | 6 |
| Features | 9 | 8 |
| Monthly Fee | $0 (Basic) | — |
| In-person Rate | 2.6% + 10¢ | — |
| Online/Keyed Rate | 2.9% - 3.5% + 15¢ | — |
| Instant Transfer Fee | 1.75% per transfer | — |
| Sign-up Fee | — | $0 |
| Hourly Premium | — | Starts at ~$5 |
| Additional Insured Cost | — | $0 |
Square Payments in one paragraph
Square is the gold standard for speed and simplicity, though you pay a premium in transaction fees for the convenience.
Skip it if: Skip it if your business processes more than $20,000 per month, as you'll save thousands elsewhere with interchange-plus pricing.
Thimble in one paragraph
Thimble is the ultimate survival tool for freelancers who need instant, short-term credibility without the burden of an annual contract.
Skip it if: You work 40+ hours every week and can afford the upfront cost of a standard annual policy.
Frequently asked questions
Which is better, Square Payments or Thimble?
On our five-axis scorecard, Square Payments scores higher (7.8/10 vs 7.7/10). Square is the gold standard for speed and simplicity, though you pay a premium in transaction fees for the convenience.
Who should skip Square Payments?
Skip it if your business processes more than $20,000 per month, as you'll save thousands elsewhere with interchange-plus pricing.
Who should skip Thimble?
You work 40+ hours every week and can afford the upfront cost of a standard annual policy.